LEDYARD NATIONAL BANK

NORWICH, VT | Large | Est. May 22, 1991, midnight | FDIC #33418 | RSSD #1863097 | OCC
Latest Report: 2025-12-31

LEDYARD NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in NORWICH, VT, established in May 22, 1991, midnight. As of 2025-12-31, the bank reported total assets of $1.1B and total deposits of $883M. Profitability stands at 0.85% ROA and 11.89% ROE, with a net interest margin of 2.79%. The bank's CET1 capital ratio is 11.64%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.19% and a Texas Ratio of 1.58%. FDIC Certificate #33418.

Assets

$1.1B

Deposits

$883M

Loans

$671M

Equity

$76M

Profitability

Return on Assets (ROA) 0.85%
Return on Equity (ROE) 11.89%
Net Interest Margin (NIM) 2.79%
Yield on Assets 5.17%
Cost of Funds 2.39%

Asset Quality

NPL Ratio 0.19%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.58%
NPA Ratio 0.12%
ACL / Loans 0.68%

Capital & Liquidity

CET1 Ratio 11.64%
Tier 1 Capital 11.64%
Total Capital Ratio 12.34%
Leverage Ratio 8.10%
Loan-to-Deposit 76.00%

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